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Current Car Loan Interest Rates in Canada: Learn the Best Rates

When financing a new or used car, getting a good car loan interest rate is important for saving money. In Canada, car loan rates can range from 0% to as much as 36%, but the 0% usually applies to new cars. The starting APR (annual percentage rate charged for borrowing) is typically around 5%. It’s […]

The 8 Best Hybrid Cars in Canada: Top Rated Models

Hybrid cars are environmentally friendly, not to mention fuel efficient. As people become more conscious about helping the environment, hybrid and alternative vehicles are gaining popularity among Canadian drivers. A recent survey found that one-third of Canadians are considering an electric car, while two in five drivers plan to lease or buy a vehicle that […]

Bad Credit Car Finance: Getting a Car Loan with Bad Credit

Sometimes life throws you a curveball and puts you in a tough financial position—it happens to the best of us. Having bad credit can make it more difficult to purchase big items but we believe it shouldn’t impact your ability to buy a car. Our goal is to get you into a vehicle with a […]

Lifted Trucks for Sale in Manitoba: Financing Available

Manitoba terrain can be rough, especially during the icy winter months. Many people opt for a heavy-duty vehicle to brave our harsh winters. If you like rugged rides, you’re in luck—there are plenty of lifted trucks for sale in Manitoba that can get you through ice, snow and the other elements. We’ll give you the […]

Learn How to Gift a Vehicle in Manitoba

If you’re thinking of buying a car from a family member, there are ways you can save money on the transaction. One of these ways is gifting a vehicle. Instead of buying from a family member, they can “gift” you the vehicle and you won’t have to pay certain taxes. Gifting a vehicle in Manitoba […]

We List 7 Electric Vehicle Charging Stations You Can Find in Winnipeg

More and more people are driving more sustainable vehicles like hybrids and electric cars. There are many electric vehicle charging stations Winnipeg has to offer to accommodate our growing population of environmentally-conscious drivers. Read on to learn about the types of charging ports, where charging stations are located in Winnipeg and how you can start […]

Best Car Shows in Winnipeg 2020

For the car lover, car shows are the highlight of the year. You can see everything from Oldsmobiles, sports cars, vintage models to high-tech cruisers. Not only that, you can learn more about automotive parts, storage and car care. We’ve got the rundown on the best car shows in Winnipeg in 2020! Read on to […]

The Best Roadside Assistance in Winnipeg: Overview

If you run into unexpected car trouble, roadside assistance will keep you protected. With coverage from 24-hour towing to emergency delivery, Birchwood offers the best roadside assistance in Winnipeg so you’ll be looked after every time you drive. We’ll give you all the details on why you might want to invest in roadside assistance, what […]

Looking for a Used Car in Winnipeg Under $5,000? 

There may be a time in your life when you need a vehicle but you may not have the funds to buy it new. You might think you’ll have to settle for an unreliable used car but that’s definitely not the case. There are plenty of used cars in Winnipeg under $5,000 that will do […]

What Are the Manitoba Car Seat Laws?

Research shows that booster seats protect children from serious injuries in car accidents by more than 60 percent. There are Manitoba car seat laws in place to make sure your child is in the proper car seat for their age, weight, and height so they can stay safe in the event of a collision. Manitoba […]

Quick step to continue

Complete a pre-qualification application before browsing our inventory

Why we pre-qualify

At Birchwood Credit, we use an “application first” approach to vehicle purchases. This helps us understand your credit situation and make sure the vehicle you’re considering is one you can confidently drive off our lot.

To browse our inventory, we simply ask you to complete an application. It lets us start your ownership journey with clear options and the right expectations.

We help all credit types

Bad credit / no credit

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For those with late or missed payments or with no credit

First time applicants

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For clients who have never had a loan before and need to build credit

Divorce

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For individuals facing divorce, unexpected events, or financial changes.

Car loan after bankruptcy

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We help clients who are moving on from declaring bankruptcy to get approved for an auto loan

Newcomers and first-time buyers

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Birchwood Credit provides auto financing to newcomers to Canada or first-time car buyers.

Consumer Proposal

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For applicants who are in a repayment agreement with creditors

Slow, late or missed payment history

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We provide auto loans to clients who have experienced issues with payments

Poor credit due to unexpected events

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For individuals facing divorce, unexpected events, or financial changes.

How Birchwood Credit works.

Apply and get approved.

We use our own funds, giving you faster approvals and more flexible options than traditional banks.

Choose your vehicle.

Browse our quality inventory and find the perfect vehicle that fits your budget and lifestyle.

Drive away.

Finalize your paperwork
and drive away in your new vehicle. It’s that simple!

Get approved today.

Applying for a car loan shouldn’t be stressful. We only ask for the information we need and finishing your application takes less than three minutes. Get started now!

Ready to Apply?

Start your financing application now and get instant pre-approval.